The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$18,212
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,778
−HK$576/mo
Today · 4.125%
HK$19,354
baseline
▲ 0.50% · 4.625%
HK$20,532
+HK$1,178/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,708/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,261
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,804
−HK$551/mo
Today · 4.125%
HK$21,355
baseline
▲ 0.50% · 4.625%
HK$22,481
+HK$1,126/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,710/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,854
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,534
−HK$691/mo
Today · 4.125%
HK$23,225
baseline
▲ 0.50% · 4.625%
HK$24,638
+HK$1,413/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,450/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,313
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,965
−HK$661/mo
Today · 4.125%
HK$25,626
baseline
▲ 0.50% · 4.625%
HK$26,977
+HK$1,351/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,252/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,497
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,290
−HK$806/mo
Today · 4.125%
HK$27,096
baseline
▲ 0.50% · 4.625%
HK$28,744
+HK$1,648/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,192/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,365
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,126
−HK$771/mo
Today · 4.125%
HK$29,897
baseline
▲ 0.50% · 4.625%
HK$31,473
+HK$1,576/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,794/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,782
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,801
−HK$1,036/mo
Today · 4.125%
HK$34,837
baseline
▲ 0.50% · 4.625%
HK$36,957
+HK$2,120/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,674/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,469
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,447
−HK$992/mo
Today · 4.125%
HK$38,439
baseline
▲ 0.50% · 4.625%
HK$40,466
+HK$2,027/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,878/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,605 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).